[Boutique] Bank training experience

Part 1: Experience in Bank Training

The ten-day provincial training was fleeting, leaving us to listen to the teachings of our predecessors, leaving us with the most beautiful and brightest smile. Looking back, there are not many opportunities for gathering together. We are about to go to work in a mighty manner, and meet new challenges with a new spirit. We are sincere and fearful, but full of joy and expectation.

If someone asks me, what is the most impressive thing during the training? I want to say that it is the power of the example. Every provincial leader who teaches us, their personal guidelines, work experience and experience are deeply infected with us. They are knowledgeable, they are experienced, they are humble and courteous, they are diligent, conscientious, and even The teachers who are in the training class with us every day, their caring and caring spirit are all moving. I would like to thank the teachers of the training class for their sincere and warm dedication, thank the provincial bank for the training opportunities, and bring us a new spiritual baptism.

If someone asks me, what is your biggest gain during the training? I want to say that it is the transformation of the mentality of the students from the Jingjing campus to the professional. Here, we have learned about the development history, basic profile, business modules, risk management, official document specifications, service etiquette, salary management system, talent training and promotion system of the Agricultural Bank of China. Through systematic study, the students have defined their career development direction, planning their life blueprints, and smug.

“Violation is risk, safety is efficiency, compliance creates value...” The concept of compliance with laws and regulations has been deeply rooted in the hearts of the people. The banking industry is a high-risk industry. Under the impetus of financial innovation, the financial industry has gradually developed into a major risk. Banks with transfer strategies, in a sense, commercial banks are “business risk” financial institutions, with “business risk” as the fundamental means of profitability, and a sound risk management system can create added value for commercial banks in the market. The risk-taking ability to obtain profit opportunities is the core competitiveness of modern commercial banks. The risks exist in every business segment of commercial banks. Comprehensive risk management is reflected in the habits of every employee. Therefore, as a bank practitioner Personnel, we should always have the awareness and consciousness of risk management, take the initiative to prevent potential risk factors in our work, and at the same time, protect ourselves.

"Welcome to the ABC family!" This warm words are repeated in the speeches of every senior. This is true. During the training period, the training courses promoted communication and communication among the students through organizing various cultural and sports activities.

Every day, the itinerary is arranged to be full, and the colorful activities such as class learning, sports competitions, speech contests, and cultural rehearsal rehearsals provide a new stage for the young students to express themselves and integrate into the ABC family. In particular, the rehearsal of the literary and artistic performances has deepened the mutual understanding of the students. We are willing to sway the sweat of youth and bloom the most dazzling youth. On the active stage of the literary performance, we fully demonstrate the bright and beautiful style of the new generation of employees of ABC! Here, I wish the 20th China Agricultural Bank Guangdong Branch's third training course for new employees to be a complete success!

After the successful listing, Agricultural Bank of China is market-oriented, customer-centered, and profit-oriented. It strives to build the Agricultural Bank into a “three rural”, urban-rural linkage, international integration, and comprehensive operation. A modern, all-round bank that provides quality financial services. As a new employee of ABC, we are dedicated to the dedication, diligence and diligence, and the professional attitude of compliance with laws and regulations, embark on the journey, pursue excellence and create brilliance together!

Finally, I would like to share with you the following:

It’s not difficult to know, it’s difficult, it’s difficult to know, it’s easy to know, and we know what we do, believe what I believe, and believe what I do.

Part 2: Experience in Bank Training

This year, I participated in the training of the second-level branch president training class organized by the provincial bank. I benefited a lot from studying. In combination with the actual work, let me talk about the personal experience.

First, change the concept of market marketing and implement core customer marketing strategies.

At present, the banking industry generally agrees with a "two-eighth law". I think that the "two-eighth law" is aimed at our postal savings banks, especially those below the county level and in the rural secondary sub-branches. This law is particularly relevant and prominent, that is, the bank 80 % of profits come from 20% of customers. It can be seen that 20% of high-end customers can imagine the benefits brought by our postal bank, but how to make these 20% of high-end customers truly become our loyal customers, then the branch needs to use and optimize the existing ones. Resources, through birthday gifts, visits to sick periods, blessings of major festivals, etc., to close the sense of kinship with customers and cross-marketing, allowing customers to purchase a variety of products of their own banks through various experience channels, to better and faster. Services and so on allow 20% of high-end customers to generate loyalty to our postal bank.

Second, change business ideas and establish a scientific development concept.

1. It is necessary to further enhance the sense of crisis and mission of deposit work, vigorously promote the rapid growth of various deposits, fully enhance the market position of deposit business, increase the competitiveness of savings deposits, and strive to increase market share. Adhere to the "big gold" development strategy, use our business to cover a wide range of areas, cover the urban and rural network resources and marketing potential, and expand the savings market.

2. Focus on promoting the comprehensive and coordinated development of intermediary business and new-type business. Through agent insurance, credit card, and IC card and Huinong card energy products to be implemented in the next step, we will grasp every time period of each quarter of the year. Some people in the development business say that they have to divide the business season, I personally think that the development of the business should not be divided into the peak season, but depends on a sub-branch, a team's ideology team spirit, and we are not only developing business. Being able to sit at the door and wait for the guests, but to go out, enter the market, enter the merchants and farmers to carry out targeted and strategic substantive marketing. Is there such a sentence: Don’t wait, just fight for the day! We can’t "To keep pace with the times" As an empty talk, we need to take the initiative to take the initiative.

Third, strengthen the awareness of risk prevention and improve the quality of internal control management.

With the increasingly fierce competition in the banking industry and the complex and ever-changing market environment, commercial banks are facing more and more risks. The main risks we face as commercial banks include credit risk, market risk and operational risk. Risk, I think it is especially important to strengthen the prevention of operational risks. By watching the 45-minute warning education film and many cases that we have heard and heard around us, it is not difficult to see that most of the risks come from within the bank, such as bank stalking. , illegal operation, etc., therefore I think that in the daily work should do the following aspects: 1, strengthen the staff's ideological education and business system learning, use weekly meetings, morning meetings, monthly business analysis meetings and online Download the warning education film and other awareness of risk prevention, combined with the content of this year's "Compliance Implementation Year" system, deeply poured into the depths of each employee's thoughts and souls, so that the compliant business philosophy is integrated into every aspect of the work, Striving to be a postal savings banker who obeys the rules, obeys the law, knows the law, and abides by the law.

Fourth, build a "people-oriented" development platform and foster a harmonious corporate culture.

For the employees of the branch, they should praise the advanced, encourage the progress, communicate with the staff, less criticism, adhere to the people-oriented, use the existing staff resources, through the birthday, holiday dinner, billiards, chess, badminton friendly matches, etc. Maintain a pleasant mood and a good attitude. At the same time, we must further improve the standardized service of outlets, further strengthen the service inspection, improve the service supervision and inspection network, guide employees to think differently, and look at themselves from the perspective of customers. The services provided are automatically self-sufficient in service work, establishing a good corporate image and enhancing social visibility and reputation.

Fifth, strengthen execution and improve management capabilities.

What is executive power? Execution power is the ability to complete work tasks by quality and quantity. The strength of individual execution depends on two factors—personal ability and work attitude. Ability is the foundation and attitude is the key. Therefore, we must improve individual execution. On the one hand, we must enhance our own quality by strengthening learning and practical exercise, and more importantly, we must correct our work attitude. Then, how to establish a positive and correct working attitude? I believe that the key is to practice the four-word requirement of "strict, real, fast and new" in the work.

1. Focus on “strictness”, be proactive, and enhance the sense of responsibility. Responsibility and initiative are the primary conditions for doing everything right. Responsible and strong, determine the size of execution; enterprising strength, determine the effectiveness of the implementation.

2, we must focus on "real", down-to-earth, and establish a practical style. The great things in the world must be done in detail, and the cause of the past and the present will be true. Although each person's position may be ordinary and the division of labor is different, as long as you work hard, you will be able to do something. It’s so high, and the style is floating. The result is nothing.

3, we must focus on "fast", and strive to improve the efficiency of work. "Tomorrow and tomorrow, how much tomorrow will be. I will be born tomorrow, everything will be a success." Therefore, to improve execution, we must strengthen the sense of time and efficiency, and carry forward the "immediate action, immediately do" work philosophy. Resolutely overcome the bad habits of work laziness and work.

4. Focus on “new”, develop and innovate, and improve working methods. Only reform can have vitality; only innovation can develop. In the face of increasingly fierce competition and rapid changes, innovation and resilience have become the core elements for promoting development.

The above is some of the plans and experiences of combining the training content of this province and the experience of this position. If you are not appropriate, please lead the criticism and correction.

Part 3: Experience in Bank Training

Smile service, harmonious development service, when you hear the word smile, someone will think: everyone has a face, every face will laugh, what is it worth to say? I believe that everyone has After the experience of encountering a cold face, at that moment, your heart has not longed for the smile of Can Ruoguang?

In fact, smile is the most beautiful flower in the world. Smile is the spring ofever between people. Its power is so great that when you face it, you can't be angry, can't bark, can't blame, and can't refuse.

Nowadays, many industries are advocating smile service, so many people painstakingly practice on the mirror, trying to practice a Mona Lisa-like smile, but it is not until the training of the gang to swell to realize that the smile is not like counting money or planning It can be learned from the disk. Smile is not a professional smile, but an emotion. It can also be said to be a kind of temperament. It is a manifestation of the positive attitude of the smiling person. It is the true and natural expression of their filled inner world. .

I have a colleague who has been in the business for three years. She has been rated as a civilized service model for many years, and it is easy and natural. Every day, as soon as she enters work, her face is filled with a sweet smile. She is drizzling, treating every customer and taking every matter seriously. Her smile for a few years is not practiced. It is derived from her positive outlook on life and full self-confidence. Imagine a sad life.

A disappointing person, a cynical person, how can there always be a smile, a question asked by the customer. How can people who have no confidence in the pressure of work come to laugh?

There used to be a tempered customer. Shame her in a vicious, unscrupulous language, and the young and energetic male colleague clenched his fists. If it wasn’t for work discipline, they would really rush out to talk to the unreasonable customer theory, and I Colleague, I saw her beautiful big eyes filled with tears of tears, but the bright smile on her face did not fade at all. She was still so gentle and not humble: "Please go back and check it out. "The result of this incident does not need me to say, everyone can guess, since this customer praised her as a "smile angel", her smile not only touched the customer, but also infected colleagues around, everyone said As long as you enter this business hall, it seems to be at the family of your loved ones.

An Indian proverb says: sowing a kind of thought, harvesting an act; sowing a behavior, harvesting a habit; sowing a habit, harvesting a character; sowing a character and harvesting a fate. Therefore, the reliable service quality, the commendable service efficiency and the satisfactory service attitude that we advocate are not a superficial thing. It should be the behavior of the ideas we planted and become our every letter. The habits and character that people should have, this kind of thinking is the collective sense of honor that “social prosperity, glory, and shame”, love and dedication, courage and responsibility, active life, optimistic and helpful character, this Not only our service philosophy, but also our living standards, only in this way, we can calmly bloom from the heart of the smile.

There is a poem, which is said to be seen in shops, restaurants, hospitals, airports, etc. in Paris, France. The effect is that it is not too hard to smile / but it can bring endless charm / beneficiaries become rich / The donor is not poor or it is fleeting but often leaves a permanent memory. The rich are rich but no one is willing to abandon. The poor are poor but no one can't give it / it is a wonderful representation of friendship / it gives fatigue to If you don’t know enough, you can give desperate courage. If you meet someone who doesn’t give you the smile you deserve, give him your generos generously, because no one needs more than someone who has never given someone a smile. It, if we do not use a smile in our lives, it is like a huge deposit deposited in the bank, but there is no passbook to take out this wealth.

Because smile has the power to penetrate the mind, it can eliminate all suspicions and misunderstandings, can release all the sadness and bitterness, let us smile and receive every good or fierce customer, smile and meet every one or sunny or The day of the rain. I often think that you are now smiling around me.